ADMINISTRATIVE LAW — statutory appeal under s 67(1) of the Consumer, Trader and Tenancy Tribunal Act 2001 — decision by Consumer, Trader and Tenancy Tribunal concerning the amount of excess payable for an insurance claim made under a statutory policy of insurance issued pursuant to Home Building Act 1989 — $500 or $100,500 — whether only a factual question involved or whether the appeal involves a question with respect to a matter of law — INSURANCE LAW — construction of statutory policy of insurance issued under Home Building Act 1989.